TWI730235B - Floating demand deposit interest rate modulation system and modulation method - Google Patents

Abstract

This invention relates to a floating demand deposit interest rate modulation system and modulation method, which mainly encourages and stimulates depositors to actively increase the amount of demand deposit by increasing the interest rate of demand deposits as an incentive to improve the ratio of depositors' structure of the banking industry, and to obtain excellent sources of funding.

Description

Floating demand deposit interest rate adjustment system and method

The creation of the present invention relates to an interest rate adjustment system, especially a floating demand deposit interest rate adjustment system.

Furthermore, in accordance with the provisions of the Patent Law on the same invention in a broad sense, this specification also proposes an interest rate adjustment method, especially a floating demand deposit interest rate adjustment method.

According to, the main function of the bank is to collect the deposit amount of each deposit account, and then lend these deposits to natural or legal persons who need funds, and collect a certain percentage of interest from it, as the deposit account’s interest, personnel costs, and profit And so on, this makes the bank act as an intermediary between the borrower and the lender in the financial transaction market.

It can be seen from the above that besides the level of bank profit is related to the level of interest charged, the interest cost and personnel cost of depositors are also one of the key influencing factors. For the bankers, demand deposits are the lowest cost high-quality Sources of funds. However, with the economic cycle in the past few years, and the people's increasingly weak and disappointed economic prospects, this has caused the amount of internal bank demand deposits to continue to decrease. Instead, time deposits continue to rise, resulting in a deposit structure ratio (demand deposits/ Time deposits) have been declining year by year, causing the pressure on the cost of funds for bankers to continue to rise.

In view of this, the creator of the present invention believes that there should be a means that can attract and promote people's willingness to increase demand deposits, so as to improve the deposit structure ratio, and then start thinking about solutions.

In view of the shortcomings described in the prior art, the creator of the present invention proposes a solution to a floating demand deposit interest rate adjustment system, including: a demand deposit database: the demand deposit database includes multiple deposits The current deposit information of the account.

A processor: the processor is electrically connected to the current deposit database, the processor writes a statistical program, an analysis program, and an interest rate determination program, and the statistical program can be executed by the processor: at a first time interval Statistic the data of each current deposit, and get a median of the current deposit amount.

The analysis program can be executed by the processor: analyze the median of each deposit amount at a second time interval to obtain a preset value of the current deposit amount, and the second time interval is a positive value exceeding one for the first time interval Integer multiples.

The interest rate determination program can be executed by the processor: at the second time interval, the data of each current deposit is compared with the preset value of the current deposit amount, when the current deposit amount of the current deposit data is higher than or equal to the current deposit When the deposit amount is preset, the current deposit interest rate of the corresponding deposit account will be increased. Conversely, when the current deposit amount in the current deposit profile does not exceed the preset value of the current deposit amount, the current deposit interest rate of the corresponding deposit account will not be change.

Therefore, the creators of the present invention use increasing demand deposit interest rates as an incentive and impetus to encourage depositors to actively increase the amount of demand deposits, thereby achieving a reversal of the deposit structure ratio, so that banks can obtain better sources of funds.

In addition, according to the provisions of the Patent Law for the same invention in a broad sense, this specification also proposes another solution to the prior art. The method relates to a floating demand deposit interest rate adjustment method, which includes the following steps:

(1) Count the current deposit amount of each deposit account at a first time interval to obtain a median of the current deposit amount.

(2) Analyze the median of each deposit amount at a second time interval to obtain a preset value of the current deposit amount, and the second time interval is a positive integer multiple of more than one of the first time interval.

(3) In the second time interval, the amount of each current deposit is compared with the preset value of the current deposit. When the amount of the current deposit is higher than or equal to the preset value of the current deposit, the corresponding deposit is increased If the current deposit amount does not exceed the preset value of the current deposit amount, the current deposit interest rate of the corresponding deposit account remains unchanged.

Therefore, through the method created by the present invention, the interest rate of demand deposits of depositors can be adjusted more flexibly, and the interest rate of demand deposits can be increased as an incentive to encourage depositors to actively increase the amount of demand deposits, so that banks can reverse the deposit structure ratio. Obtain high-quality funding sources with lower cost and better competitiveness.

(A): Deposit account

(B): Floating demand deposit interest rate adjustment system

(1): Current deposit database

(11): Current deposit information

(2): Credit database

(21): Credit information

(3): Evaluation database

(31): Evaluation data

(4): Output

(5): Processor

(P1): Statistical program

(P2): Analysis program

(P3): Interest rate determination program

(P4): Sending program

(P5): Recommended program

(S1)~(S7): steps

The first figure is a schematic diagram of the connection of various components created by the present invention

The second figure is the system flow chart of the creation of the present invention

With the aid of the drawings, the structure, characteristics and embodiments of the invention are described below, so that your examiners can have a better understanding of the invention.

Please refer to the first figure, the creation of the present invention relates to a floating demand deposit interest rate adjustment system, including:

A demand deposit database (1):

Please refer to the first figure. The current deposit database (1) includes the current deposit information (11) of multiple deposit accounts (A), and each current deposit information includes the current deposit amount of a corresponding deposit account (A).

A credit database (2):

Please refer to the first figure. The credit database (2) includes credit information (21) between multiple deposit accounts (A) and banks. This credit information (21) can be the deposit account (A) and the bank using this case The creditworthiness of the inter-business transactions can also be the creditworthiness of the deposit account (A) and the bankers and other bankers who use this case. One of the two can be selected as the credit information according to the needs of the user (21 ).

One evaluation database (3):

Please refer to the first figure, the evaluation database (3) includes evaluation data (31) of the interaction between multiple deposit accounts (A) and the bank. Among them, the evaluation data (31) mainly refers to the evaluation of the mutual exchanges between the deposit account (A) and the bank using this case. The evaluation criteria include: credit extension between the deposit account (A) and the bank using this case, and various things. The handling fees charged, etc., for all transactions between the deposit account (A) and the bank using this case, which can bring profits to the bank using this case, are included in the evaluation data (31).

One output terminal (4):

Please refer to the first figure, the output terminal (4) can be used for signal connection to the handheld device or e-mail box of each deposit account (A) for sending various data and messages to each deposit account (A).

One processor (5):

Please refer to the first figure, the processor (5) is electrically connected to the demand deposit database (1), the credit database (2), the evaluation database (3), and the output terminal (4), The processor (5) is written with a statistical program (P1), an analysis program (P2), an interest rate determination program (P3), a sending program (P4), and a suggestion program (P5).

Please refer to the first and second diagrams for the following descriptions, which respectively introduce the functions of the above-mentioned programs: please refer to the step (S1) of the second diagram, the statistical program (P1) can be executed by the processor (5): Calculate the data of each demand deposit (11) at a first time interval, and get a median demand deposit amount, so as to understand the current deposit account (A)'s demand deposit amount mostly fall into the deposit amount, among which, the demand deposit amount The median is preferably a range value, and the first time interval is preferably a Month, so that the system can calculate the median demand deposit amount of each deposit account (A) every month.

Please refer to step (S2) in the second figure. The analysis program (P2) can be executed by the processor (5): analyze the median of each deposit amount at a second time interval to obtain a preset value of the current deposit amount , And the second time interval is a positive integer multiple of more than one of the first time interval. Taking this manual as an example, the second time interval is preferably six months; and the basis for determining the preset value of the current deposit amount can be It is the median of the highest demand deposit amount in the second consecutive time interval, as the default value of the demand deposit amount. It can also prevent the deposit account (A) from depositing large sums of funds in the last month to earn more The best current deposit interest rate, the preset value of the current deposit amount is preferably the average of the median amount of each current deposit in two consecutive second time intervals.

Please refer to step (S3), step (S4), step (S5), and step (S6) in the second figure. The interest rate determination program (P3) can be executed by the processor (5): Each current deposit profile (11) is compared with the preset value of the current deposit amount. When the current deposit amount of the current deposit profile (11) is higher than or equal to the preset value of the current deposit amount, the corresponding deposit will be increased The current deposit interest rate of account (A). Conversely, when the current deposit amount of the current deposit profile (11) does not exceed the preset value of the current deposit amount, the current deposit interest rate of the corresponding deposit account (A) remains unchanged. Among them, the increase ratio of demand deposit interest rate is preferably based on the evaluation data and credit information of the deposit account (A), so that the higher quality deposit account (A) can enjoy the higher quality demand deposit interest rate.

Please refer to step (S7) in the second figure. The sending program (P4) can be executed by the processor (5): the calculation result of the statistical program (P1), the calculation result of the analysis program (P2), the interest rate The calculation results of one or more of the three decision programs (P3) are respectively sent to the handheld device or e-mail box of each corresponding deposit account (A). In this way, each deposit account (A) can obtain current relevant information at a fixed time, such as the current median of the current deposit, the preset value of the current deposit, the interest rate of personal current deposit, etc., in order to benefit the deposit account (A). Adjust the deposit strategy for the reference basis.

The proposed program (P5) can be executed by the processor (5): analyze the demand deposit data (11) that is less than the median demand deposit amount at a third time interval, and obtain the plural demand deposit The proposed increase amount data of the current deposit is sent to the handheld device or e-mail box of the corresponding deposit account (A) through the output terminal (4). Through this proposed method, the depositor (A) can know how much demand deposit amount is still short to obtain a better deposit interest rate, thereby encouraging and stimulating the depositor (A)'s willingness to increase the demand deposit amount. The execution timing of this program is preferably between step (S1) and step (S2) in the second figure.

The following is a brief description of the main implementation of the creation of the present invention: First, the consent of each deposit account (A) is sought, and the relevant information of the deposit account (A) is stored in the current deposit database (1), the deposit account (A), and the deposit account (A). Credit database (2), the evaluation database (3). Then, after one month, the current deposit amount of all participating deposit accounts (A) will be counted, and the median of the current deposit will be obtained. Then, the deposit account whose current deposit amount is less than the median of the current deposit (A) will be notified. ), and at the same time suggest how much demand deposit amount should be increased. After repeating the above process for six months, the default value of the current deposit amount will be analyzed. Then, for the deposit account (A) whose current deposit amount is higher than the default value of the current deposit amount, please refer to the relevant information for the current deposit interest rate. (Such as credit information, evaluation data, etc.) correspondingly increased; as for the deposit account (A) that does not reach the preset value of the current deposit amount, the current deposit interest rate announced by the Bank of Taiwan will be maintained, and the results will be sent to each deposit account respectively ( A).

Therefore, through the creation of the present invention, the increase in the interest rate of demand deposits is used as an incentive to encourage and stimulate depositors to actively increase the amount of demand deposits, so as to achieve an optimized deposit structure ratio, so that banks can obtain high-quality and cost-competitive funds. source.

In addition, in view of the relevant provisions of the Patent Law on the same invention in a broad sense, this case also proposes a method for adjusting the interest rate of floating demand deposits. Please refer to the second figure. The method for adjusting includes the following steps:

step 1):

Please refer to the step (S1) shown in the second figure to calculate the current deposit amount of each deposit account at a first time interval to obtain a median current deposit amount.

Step (2):

Please refer to the step (S2) shown in the second figure, analyze the median of each deposit amount in a second time interval to obtain a preset value of the current deposit amount, and the second time interval is that the first time interval exceeds one The positive integer multiple.

Step (5):

It is worth mentioning that, in order to recommend the amount of demand deposits for depositors, so that depositors can obtain better interest rates, a step (5) is added between step (2) and step (3): in a third time interval, The deposit account that is less than the median amount of the current deposit is analyzed to obtain the recommended increase value of the plural current deposits, and the recommended increase value of the current deposit is transmitted to the handheld device or e-mail box of the corresponding deposit account.

Step (3):

Please refer to the step (S4), step (S5), and step (S6) shown in the second figure. In the second time interval, compare the amount of each demand deposit with the preset value of the demand deposit. When the demand When the deposit amount is higher than or equal to the preset value of the current deposit amount, the current deposit interest rate of the corresponding deposit account will be increased. Conversely, when the current deposit amount does not exceed the preset value of the current deposit amount, the corresponding deposit account’s The interest rate of demand deposits remains unchanged. In addition, the rate of increase of the demand deposit interest rate is judged based on the deposit account’s evaluation data and credit data.

Step (4):

Please refer to the step (S7) shown in Figure 2 to send at least one of the median of the current deposit amount, the preset value of the current deposit amount, and the current deposit interest rate of each deposit account to the handheld of each deposit account Device or e-mail.

The numbers of the above steps are not used as a sequence, but are mainly used as labels to clearly show the content of each step. Moreover, since the method and system in this case are broadly the same invention, please refer to the detailed implementation, advantages, and features of the method. The floating demand deposit interest rate adjustment system will not be repeated here.

In summary, the creation of the present invention is indeed in line with industrial applicability, and has not been seen in publications or publicly used before the application, and has not been known to the public, and is non-obvious and easy to know, and is in line with patentability. For the essentials, Yan filed a patent application in accordance with the law.

However, the foregoing is a preferred embodiment of the invention in the industry, and all the equivalent changes made in accordance with the scope of the patent application for the invention are all within the scope of the claims of this case.

(S1)~(S7): steps

Claims (1)

A floating demand deposit interest rate adjustment system, including: a demand deposit database: including demand deposit data of multiple deposit accounts; a processor: electrically connected to the demand deposit database, and the processor writes a statistical program and an analysis A program, a suggestion program, an interest rate determination program, a credit database, an evaluation database and an output terminal, the statistical program can be executed by the processor: statistics of each current deposit data at a first time interval, so as to understand the current The current deposit amount of the depositor mostly falls within the deposit amount, and a median current deposit amount is obtained; this analysis program can be executed by the processor: analyze the median of each deposit amount at a second time interval, and obtain a The default value of the current deposit amount. The basis for this judgment can be the median of the highest current deposit amount in two consecutive second time intervals, and the second time interval is a positive integer multiple of the first time interval exceeding one, and the first time interval The time interval is one month, and the second time interval is six months; and the basis for judging the preset value of the current deposit amount is the median of the highest current deposit amount in the second consecutive second time interval, as the current deposit amount The default value is also to prevent depositors from depositing large sums of funds in the last month in order to earn a better current deposit interest rate. The default value of the current deposit amount is within the second consecutive time interval. The average value of the number of digits; the interest rate determination program can be executed by the processor: at the second time interval, the data of each demand deposit is compared with the default value of the demand deposit amount, when the demand deposit amount of the demand deposit data When the current deposit amount is higher than or equal to the preset value of the current deposit, the current deposit interest rate of the corresponding deposit account will be increased. Conversely, when the current deposit amount in the current deposit profile does not exceed the preset value of the current deposit, the corresponding deposit The current deposit interest rate of the account remains unchanged. Among them, the increase rate of the current deposit interest rate is based on the evaluation data and credit information of the deposit account, so that high-quality deposit accounts can enjoy the high-quality current deposit interest rate; the recommended program can For the processor to execute: Analyze the demand deposit data that is less than the median demand deposit amount at a third time interval, and obtain the suggested increase of plural demand deposits Increase the amount data, and send the proposed increase amount data of the current deposit to the handheld device or e-mail box of the corresponding deposit account through the output terminal; the credit database includes credit information between multiple deposit accounts and the bank; the evaluation database includes The evaluation data of the interaction between multiple deposit accounts and the bank; the interest rate determination program further provides the processor to execute: when the current deposit amount of the current deposit data is higher than or equal to the preset value of the current deposit amount, it will be based on the deposit account’s Based on the evaluation data and credit information, increase the current deposit interest rate of the deposit account; the output terminal can be used to connect the handheld device or the e-mail box of each deposit account, and the processor writes a sending program that can be used for the processing Device execution: the calculation result of the statistical program, the calculation result of the analysis program, and the calculation result of the interest rate determination program are respectively sent to the handheld device or e-mail box of each corresponding deposit account.

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